The booklet tells what kind of approvals are needed and which level of government the homeowner should apply to first.

In an effort to keep their painted furniture looking bright, homeowners applied a fresh coat of paint every year.

Many homeowners are applying for federal grants.

Can the homeowner apply for these permits online?

Public agencies, business and homeowners with environmental problems may also apply for loans and grants.

How do homeowners apply for a modification under the Making Home Affordable program?

In Bound Brook, only three homeowners have applied for such loans and there are no applications yet from business people.

"And as a result, so many black homeowners who are more than qualified to receive low-interest loans from conventional lenders don't even apply."

A homeowner applies for a new loan and discovers unexpected collateral damage of the mortgage meltdown.

If the water is too shallow, homeowners can apply for a variance.